Summary and recommendation
Wave Accounting, the free accounting platform designed for small businesses, does not support SCIM provisioning or native SSO on any plan. While third-party password managers like OneLogin and Okta can provide password-based authentication through vaulting, this isn't true SAML federation. Wave's architecture is fundamentally built for manual user management by small business owners, not enterprise identity integration.
This creates significant challenges for organizations that have adopted Wave but need centralized user lifecycle management. Without SCIM support, IT teams must manually create, update, and deactivate user accounts in Wave, creating compliance gaps and administrative overhead. The lack of native SSO means users must maintain separate credentials, increasing security risks and password fatigue.
The strategic alternative
Stitchflow provides SCIM-level provisioning through resilient browser automation for Wave without requiring any enterprise features from Wave itself. Works with Wave's free and Pro plans. Flat pricing under $5K/year, regardless of team size.
Quick SCIM facts
| SCIM available? | No |
| SCIM tier required | N/A |
| SSO required first? | Yes |
| SSO available? | Yes |
| SSO protocol | None (third-party only) |
| Documentation | Not available |
Supported identity providers
| IdP | SSO | SCIM | Notes |
|---|---|---|---|
| Okta | Via third-party | ❌ | No SCIM available |
| Microsoft Entra ID | Via third-party | ❌ | No SCIM available |
| Google Workspace | Via third-party | ❌ | No native support |
| OneLogin | Via third-party | ❌ | No native support |
The cost of not automating
Without SCIM (or an alternative like Stitchflow), your IT team manages Wave accounts manually. Here's what that costs:
The Wave pricing problem
Wave gates SCIM provisioning behind premium plans, forcing significant cost increases for basic user management.
Tier comparison
| Plan | Price | SSO | SCIM |
|---|---|---|---|
| Free | $0/month | ||
| Pro | $16-19/month |
Provisioning capabilities
| Plan | Price | SSO | SCIM |
|---|---|---|---|
| Free | $0/month | ||
| Pro | $16-19/month |
Wave's approach to enterprise identity is fundamentally different from other SaaS applications. Instead of native SAML integration, they rely entirely on third-party password managers and vault-based SSO through providers like OneLogin and Okta.
What this means in practice
Password-based authentication only: Wave users must be created manually in the application, then managed through password vaulting in your IdP. This isn't true SSO—it's automated password entry.
No centralized user lifecycle: When employees join, change roles, or leave, Wave accounts must be managed separately from your identity provider. There's no automated provisioning, deprovisioning, or attribute updates.
Financial data access risks: Since Wave handles accounting and financial data, the inability to instantly revoke access during offboarding creates compliance and security gaps.
Additional constraints
Summary of challenges
- Wave does not provide native SCIM at any price tier
- Organizations must rely on third-party tools or manual provisioning
- Our research shows teams manually provisioning this app spend significant hidden costs annually
What Wave actually offers for identity
Wave Accounting has no native enterprise identity features. As a free accounting tool designed for freelancers and small businesses under $100K revenue, Wave doesn't support SAML SSO or SCIM provisioning.
Third-party password management only
The only "SSO" option is password vaulting through identity providers:
| Provider | Integration Type | Details |
|---|---|---|
| Okta | Password vaulting (SWA) | Stores Wave credentials, no federation |
| OneLogin | Password vaulting | Basic credential storage only |
| Others | None | No Azure AD, Google Workspace, or generic SAML |
Translation: These aren't true SSO integrations. Your identity provider simply stores and auto-fills Wave login credentials—users still authenticate directly with Wave.
What's missing for enterprise use
| Enterprise Feature | Wave Support |
|---|---|
| SAML SSO | ❌ No |
| OIDC SSO | ❌ No |
| SCIM provisioning | ❌ No |
| Just-in-time provisioning | ❌ No |
| Group/role mapping | ❌ No |
| Team management | ❌ No |
The reality: Wave is built for solo entrepreneurs and small teams who manually manage 2-3 user accounts. There's no upgrade path to enterprise identity features because Wave isn't designed for enterprise use cases.
What IT admins are saying
Wave's consumer-focused design creates challenges for IT teams trying to manage business accounts:
- No enterprise identity integration - users must be managed manually in Wave
- Password-based SSO through third parties feels like a workaround, not a solution
- Limited to small business use cases with no collaboration or team features
- Free tool mindset conflicts with enterprise security requirements
No enterprise features
Limited to small business use cases
Third-party SSO available via AuthDigital or password managers
The recurring theme
Wave is built for freelancers and micro-businesses, not organizations with IT departments. Any attempt to use it in a managed environment requires manual workarounds and third-party tools.
The decision
| Your Situation | Recommendation |
|---|---|
| Freelancer or solo business owner | Stick with Wave's free plan - manual management is fine |
| Small team (2-5 users) with simple needs | Manual management acceptable - Wave's target use case |
| Growing business moving to enterprise tools | Migrate to QuickBooks Online or Xero with proper SCIM |
| IT team managing multiple SMB accounting tools | Use Stitchflow: consolidate identity management across apps |
| Compliance requirements or audit needs | Use enterprise accounting software with native SCIM |
The bottom line
Wave is designed for small businesses and freelancers who don't need enterprise identity features - there's no SCIM, no native SSO, and no enterprise collaboration tools. If your organization has outgrown Wave's SMB focus and needs provisioning automation, Stitchflow can bridge the gap or help transition to enterprise-grade accounting platforms.
Automate Wave without third-party complexity
Stitchflow delivers SCIM-level provisioning through resilient browser automation, backed by 24/7 human in the loop for Wave at <$5K/year, flat, regardless of team size.
Technical specifications
SCIM Version
Not specifiedSupported Operations
Not specifiedSupported Attributes
Plan requirement
Not specifiedPrerequisites
Not specifiedKey limitations
- No native SCIM or SSO support
- Third-party SSO available via AuthDigital or password managers
- Designed for small businesses, not enterprise
- No team/collaboration features
Documentation not available.
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